Embrace | Pet Insurance Review

We have had embrace ins for our dogs for a couple of years now--we are satisfied with their response time and follow through. I highly recommend embrace pet insurance!

Excellent web site, easy to file the claim forms and attachments, and quick turn around time to process the claim!!

As with other claims, it is simple to scan the invoice from the Vet and upload to Embrace. Even with two dogs, the software/app is able to guide you through the process easily.

Wellness Plan feedback. This option and process has been super easy and amazing. I'm terrible at saving money, unless I treat it like a bill. The Wellness plan has allowed me to have a bank for our 2 year old cat for her annual exams and preventative medications. The claims have been approved in 2-3 days and direct deposit is fast. Although this is basically a reimbursement back to me, it's been a game changer and creates less stress for me since I'm already not the best at planning ahead. This allows me to "save" for my cat's annual wellness visits like a bill for smaller monthly payments. I love this optional plan on top of our pet insurance.

Our dog was diagnosed with widely metastatic hemangiosarcoma of the spleen. Because there was a mention of a benign lipoma of the shoulder that had not been biopsied, the claims regarding the metastatic agressive splenic malignancy, clearly not related to the stable benign shoulder mass were denied. Any one with this insurance should be aware of this policy. ANY undiagnosed "mass", any small skin cyst or a lipoma like our dog had with this company will make ANY future "mass" including any unrelated malignancy be considered a pre exiting condition. It is crazy but it is their policy. Luckily our dog had a staging CT and I am a radiologist and saw the lipoma on the images so we at least can have vets who cared for our dog and the radiologist who read the CT state clearly that the mass in question diagnosed clinically as a lipoma and not biopsied was in fact a lipoma and not at all related to the incredibly agressive splenic malignancy that led to his death. All who have or are considering to have this insurance for their pet need to be aware of this policy. Review your pets records. Read the policy closely. Any mass no matter how benign if not biopsied will lead them to deny your future claim for cancer care and you could easily not be able to prove it was not related to the reason for the claim. Beware all owners of an Embrace policy out there. I’ve edited this after seeing the embrace response. You can clearly see that they actually say that a completely unrelated “mass” that hasn’t been biopsied can be considered a preexisting condition leading to non coverage for a completely unrelated cancer in the future. Like I said, beware all policy owners and those considering this insurance.